RF's Financial News

Sunday, October 26, 2014

Maybe it’s because of Halloween
Week, but politicians are really starting to scare me. Last week President Obama (in a campaign
speech) said: “By almost every measure we are better off than the day I took
office". At first I thought it was
his attempt at humor, until I realized he believed what he said. Factually President Obama – from the time you
took office until now:

-Individual
savings rates have fallen by 17%, from 6.5% to 5.4%,

-The
number of food stamp recipients has increased by 46%, from 31.9 M to 46.5 M,

-The
number of part time workers has increased by 12%, from 25M to 28M,

-The median
income of a U.S. worker has fallen by 3.3%, from $55,871 to $53.978 (not
counting inflation),

-The
number of people living in poverty has increased by 26% to 48M (an all-time
high),

-The
majority (60%) of the jobs lost since 2008 have been 'high paying' jobs (over
$18/hr.), while the majority (58%) of the jobs created since 2008 have been
'low paying' jobs (less than $12/hr.),

-AND with QE3 creating 1M jobs, but costing the taxpayers $1T – that’s a cost
of $1MPER JOB created!That’s an incredible statistic. If the average job created produced wages plus
benefits of $16 per hour ($33,000 per year) – where did the other 96% of the
$1M per job go? Does it mean that the remaining $967,000 per job ($1M per job minus the
$33,000 worker’s wages) went into the pockets of banksters – who (in turn)
invested it into the stock market?

Now, we can only blame
ourselves for electing the ‘Walking Dead.’
In fact, JA sent me some sample Congressional interactions that (I’m
ashamed to say) made me laugh at their level of incompetence:

-Bernie Sanders (a senior Vermont Congressman) recently
complained about his trip to Orlando, Florida – because his room lacked an
‘ocean view’. When he was told that
Orlando was in the middle of the state he exclaimed: “Don't lie to me! I
looked it up on the map, and Florida is a very THIN state!"

-Lindsay Ross (an aid to John Kerry) inquired: “Would
it be less expensive when going to Hawaii - to fly into California and then
take the train to Hawaii?”

-Bobby Bright (a freshman Congressman from Alabama)
wondered how to find his plane. “I know
that the flight number is #823, but none of the planes seemed to have the flight
numbers painted on them.”

-And then there was Mary Landrieu (a Senator from
Louisiana), who was told that in order to fly to China she needed both a
passport and a tourist visa. Ms.
Landrieu was abrupt in her response: “I do NOT need a visa because the last
four times I visited China – every shop I visited accepted American Express.”

When the President speaks
of income inequality, someone needs to do the math for him on the above
numbers.It appears that for every
working-class dollar created, we are paying $29.3 in crony capitalism to all of
his capitalist-investor-banker friends.History shows us that this pace is unsustainable without a correction of
dramatic proportions.I urge you to make
your voices heard – the first week of November.

The Market:

In the short term, there
is a pattern of market manipulation developing, and it’s all being accomplished
by jawboning.Early last week it was FED
heads Williams and Bullard hinting at QE4, then the ECB's Coeure talked of
going on an ‘ECB buying spree’, then China talking about a $30 billion targeted
stimulus, and finally the Japanese finance minister hinting at a 25% stock
rebalancing in their government pension fund. The amazing part is that the jawboning is
working.Market volatility is at
‘un-heard-of’ levels, with wild mood-swings of a couple hundred points per day.

But let’s take a step
back.One thought is that next week
(when the FOMC ends the QE program) ‘air’ could start to leak out of this
market. The elections are on November 4th,
so any of the ‘propping up’ that may have been done will be over by then. Combine this with the incredible earnings misses
from some large multinationals (IBM, Coca-Cola and McDonalds), and the outright
‘doctoring’ of earnings due to stock buyback programs (Apple buying back $45B
worth of it’s own stock) – and you have a confused investor favoring the
market’s downside direction.

On the other hand, we've
had the first 10% correction in over 3 years, and many feel that this was as
deep a plunge as we're going to see. We
also are coming into the months of November and December – that are typically
good months for the market. In fact, November
is notorious for being the month where companies do the bulk of their buy back
action.And there are a ton of hedge
funds that are woefully behind the market – that will try and ‘save face’ by
piling-in and ‘making’ the market go higher as they ride along.

The strong
U.S. dollar (that has delivered us lower oil prices) is weakening U.S. exports
and hurting our corporation’s top-line revenue abilities. Due to dollar fluctuations, tax inequalities and
other reasons, multinational corporations continue to migrate overseas – where
the bulk of consumers are located and where consumer income is growing.The key overseas markets are Brazil, Russia,
India and China (BRIC’s) – along with the emerging markets.

So there are reasons to
think that this market will fall, and reasons to think that it will rise. However, without more FED injections of some
kind, this market will start to ‘roll over’, and the recent increased
volatility is evidence of that.But I do
NOT think that this ‘roll over’ will happen between now and the end of the
year.I think that we're going to be
trapped between the lows of the 10% dip and the highs we have already set. I can see us running up and down inside that range
until the year ends. But come the New Year,
I do expect this market to begin its downtrend, and it could fall a long way.

Next week (on
Tuesday and Wednesday) we have another Federal Open-Market Committee (FOMC)
meeting.I believe that the Fed will
maintain their dovish stance on interest rates – keeping them at zero out into
the future.But I am on the fence as to
whether they will take any action regarding QE4 – in order to weaken the dollar
and create more inflation.In advance of
the FOMC meeting, I would expect to see market consolidation along with the VIX
(market volatility index) in the 15 to 17 range.The RUT (Russell 2000 Index of small-cap
companies) along with the 10-year bonds are pricing-in a dovish FED
meeting.I believe that the FED can sell
more HOPE’ium with its zero interest rate policy alone.If the FED introduces more QE – then the
volatility should be reduced, and the market will indeed move higher.

Between now and the end of
year, this market will favor the nimble investor.You won’t be able to get too long or too
short.If you’re the type of investor
that wants to hold something for more than a week or two at a time – this won’t
be a great market for you as the FED’s stars are beginning to align.The FED needs a stronger dollar and weaker
CPI in order to justify more QE, and to keep interest rates at zero for a
longer period of time. If the FED mentions
deflationary concerns at the FOMC meeting, this will fuel rumors surrounding
QE4.And with the weaker CPI (1.7%) and
the FED’s concern about ‘slack in the labor market’ and ‘structural
unemployment problems’, there is a possibility that they may NOT end QE3 just
yet and let it play out a little while longer.

Personally, I’m reminded
of a line from the movie ‘War Games’ where Joshua (a computer) says: “The only
winning move is – NOT to play.”Right
now I fear our market is stuck between the big correction and the all-time
highs, and we will remain there until yearend.

Tips:

We have all
heard the saying: “The market has no memory from day to day”, and that
certainly applies to this market. Just a little over a week ago, the
market was talking ‘doom and gloom’ and now it’s singing ‘Happy days are here
again.’The past week, the S&P had its best week
in almost 2 years.This coming week has
many major energy and oil companies reporting earnings, so I expect some
downward pressure on the markets.I’m
seeing potential trades in names such as: AAPL, IBB, FDX, COST, DPS, CME, CBOE,
ICE, WYNN, TEX, SLW, IYT, TRV, UTX, HERO, XLE, UPL, PAA, KMI, VRTX, AMGN, and
REGN.

Remember,
over 75% of the time – the week before Halloween has an upward bias associated with
it.I’ll be watching the RUT (the Russell-2000 Small-cap Index) as my ‘tell’
for this market.

In response to readers
asking for more exact stock picks, I have constructed some recommendations
below; however, you may want to pause until after the FOMC meeting – just in
case there are any fireworks.Also
please note, I continue to move from investing ‘directionally’ (which I find
extremely difficult in this environment) – to investing in what I think will
NOT happen.Below – you will see that I think
WYNN, YELP will move lower (so I’m selling Call Credit Spreads), while
believing that GMCR, NFLX, IBM, AMZN, and DECK will move higher (and therefore
selling Put Credit Spreads.)

-Green
Mountain Coffee (GMCR) – Sell the 136 / 134 Put Credit Spread – with the theme
of the week being upward and the momentum waves being positive,

-NetFlix
(NFLX) – Sell the 362.5 / 357.5 Put Credit Spread as the ‘squeeze’ is causing a
reversion to the mean,

-Deckers
(DECK) – Sell the 77 / 75 Put Credit Spread with the theme of the week being
upward but cautious due to the mixed momentum waves,

-IBM –
Sell the 155 / 152.5 Put Credit Spread with the theme of the week being upward but
cautious due to the negative momentum waves,

-Amazon
(AMZN) – Sell the 265 / 260 Put Credit Spread with the theme of the week being upward
but cautious due to the negative momentum waves,

-S&P
Index (SPX) – Sell the 1920 / 1915 Put Credit Spread – with the theme of the
week being positive, but wait until after Wednesday’s FOMC meeting for
confirmation,

-Nasdaq
(NDX) – Sell 3910 / 3905 Put Credit Spread – with the theme of the week being
positive, but wait until after Wednesday’s FOMC meeting, and

-The
Russell 2000 (RUT) – Sell the 1070 / 1060 Put Credit Spread – with the theme of
the week being positive, but wait until after Wednesday’s FOMC

My
currentshort-term ‘Larger-Cap’ holds
are:

-KO (Beverage) – in @ $41.17 – (currently $41.03),

To
follow me on Twitter and on StockTwits to get my daily thoughts and trades – my
handle is: taylorpamm.

Please
be safe out there!

Disclaimer:

Expressed
thoughts proffered within the BARRONS REPORT, a Private and free weekly
economic newsletter, are those of noted entrepreneur, professor and author,
R.F. Culbertson, contributing sources and those he interviews. You can learn more and get your free
subscription by visiting: <http://rfcfinancialnews.blogspot.com>
.

Please
write to Mr. Culbertson at: <rfc@culbertsons.com>
to inform him of any reproductions, including when and where copy will be
reproduced. You may use in complete form or, if quoting in brief, reference
<rfcfinancialnews.blogspot.com>.

If
you'd like to view RF's actual stock trades - and see more of his thoughts -
please feel free to sign up as a Twitter follower - "taylorpamm" is the handle.

If
you'd like to see RF in action - teaching people about investing - please feel
free to view the TED talk that he gave on Fearless Investing: http://www.youtube.com/watch?v=K2Z9I_6ciH0

To
unsubscribe please refer to the bottom of the email.

Views
expressed are provided for information purposes only and should not be
construed in any way as an offer, an endorsement, or inducement to invest and
is not in any way a testimony of, or associated with Mr. Culbertson's other
firms or associations. Mr.
Culbertson and related parties are not registered and licensed brokers. This message may contain information
that is confidential or privileged and is intended only for the individual or
entity named above and does not constitute an offer for or advice about any
alternative investment product. Such advice can only be made when accompanied
by a prospectus or similar offering document. Past performance is not indicative of
future performance. Please make sure to review important disclosures at the end
of each article.

Note:
Joining BARRONS REPORT is not an offering for any investment. It represents
only the opinions of RF Culbertson and Associates.

PAST
RESULTS ARE NOT INDICATIVE OF FUTURE RESULTS. THERE IS RISK OF LOSS AS WELL AS
THE OPPORTUNITY FOR GAIN WHEN INVESTING IN MANAGED FUNDS. WHEN CONSIDERING
ALTERNATIVE INVESTMENTS (INCLUDING HEDGE FUNDS) AN INVESTOR SHOULD CONSIDER
VARIOUS RISKS INCLUDING THE FACT THAT SOME PRODUCTS AND OTHER SPECULATIVE
INVESTMENT PRACTICES MAY INCREASE RISK OF INVESTMENT LOSS; MAY NOT BE SUBJECT
TO THE SAME REGULATORY REQUIREMENTS AS MUTUAL FUNDS, OFTEN CHARGE HIGH FEES,
AND IN MANY CASES THE UNDERLYING INVESTMENTS ARE NOT TRANSPARENT AND ARE KNOWN
ONLY TO THE INVESTMENT MANAGER.

Alternative
investment performance can be volatile. An investor could lose all or a
substantial amount of his or her investment. Often, alternative investment fund
and account managers have total trading authority over their funds or accounts;
the use of a single advisor applying generally similar trading programs could
mean lack of diversification and, consequently, higher risk. There is often no
secondary market for an investor's interest in alternative investments, and
none is expected to develop.

All
material presented herein is believed to be reliable but we cannot attest to its
accuracy. Opinions expressed in these reports may change without prior notice.
Culbertson and/or the staff may or may not have investments in any funds cited
above.

Remember the Blog: <http://rfcfinancialnews.blogspot.com/>
Until next week – be safe.

Sunday, October 19, 2014

#1: Ms. Yellen, why do you hate
deflation? Can’t we forget trying to manufacture 2% inflation and simply let
the market decide what's best?After
all, Wal-Mart is our nation’s largest employer and is also the leader in low
prices – and yet they don’t seem to go out of business.And I’ve never heard someone say: “I wish that
product would go up in price so that I could buy it.”The theory with ‘deflation’ is that if you
know prices are going to fall, you will delay your purchases, and the economy will
come to a screeching halt.But that
doesn’t seem to make any sense to me.Isn’t it gigantic ‘SALE’ signs that pack stores and showrooms?People don't delay their purchases waiting on
lower prices, but rather flock toward lower prices. Also, in emergency situations nobody puts off
replacing a water heater, a tire, or a refrigerator until ‘next year’ because
it could be cheaper.In fact,
electronics are notorious for coming out high and watching prices fall. And despite knowing prices will fall, people still
camp out for 3 weeks on sidewalks to get the newest iPhone. Your own FED
economists have said: “The only episode in which we find evidence of a link
between deflation and depression is the Great Depression (1929-34). We find
virtually no evidence of such a link in any other period. In a broad historical context, beyond the
Great Depression, the notion that deflation and depression are linked virtually
disappears.”So if deflation isn’t the ‘kiss of death’ – then why not allow consumers
to get more value, buy more products, and spur more investment for expansion, by
eliminating your goal of 2% inflation?

#2Ms. Yellen, a friend of mine MW has prepared the chart
below.It tries to simplify a lot of
economic factors comparing the West to the BRIC’s (Brazil, Russia, India and
China):

I realize
that this is a very simplified view, but generally it appears that the U.S. is
in trouble on virtually all fronts.When
I look at the BRIC economies, I see increasing wages and jobs, and decreasing
unemployment and debt.And after the
West has pumped trillions of dollars into their economies, I continue to see a weak
job market, European double-digit unemployment rates, and a contaction in
full-time jobs (as jobs that are being created are part-time in order to avoid
Obamacare).Are the BRIC’s just lucky,
or is avoiding bail-outs, free money and increased entitlement programs – the
way to go?I realize that your QE
programs were designed to stop individuals and businesses from failing.Government programs rarely address the cause,
and frequently just treat the symptoms of an ailing economy.I have seen the best intended Government
programs slowly move from being short-term boosts, to long-term entitlements. I’m scared that we are beginning to breed a generation
that believes that they are ‘entitled’ and often ‘reliant’ upon government handouts.This behavior destroys real businesses, keeps
the poor – poor, drains public coffers, eliminates competition, and ultimately
steals an individual’s pride, self-respect, accountability and
responsibility. To that degree I urge you to DISCONTINUE QE – and allow
the chips to fall where they may!

The Market:

-The Russell 2000 index of small-cap stocks remains one of the
best indicators of general market order-flow. Earlier this week the Russell’s decline slowed,
built support and began to rally as the other indices continued to see
volatility.

-The Bank of Japan (BOJ) and the European Central Bank (ECB) are
ramping up their QE policies and lowering rates even further. This is exactly opposite of what our FED
would like – as it will force wider deflation and trade deficits.

-The bond market is pricing in that low rates are here to stay. The 10-year yield has fallen to 2%, and I
think we could see 1.6 to 1.8%. If the
bond market believed that the FED was actually going to raise rates, end
accommodation, and unwind their balance sheet – we should be seeing rates rise to
3%.

-The
energy sector (XLE) is down more than 20% and funds that have been invested in the
energy sector are imploding right and left. When a fund unravels, a large
amount of forced selling hits the market. This is the equivalent of an
investor getting a margin call, but on a much larger scale.

-This week the bond market spiked over 5 full points, and the VIX
(volatility index) spiked its highest levels in 3 years.

-This week the S&P and NASDAQ touched the 10% correction mark
for the first time in 3 years. Typically
corrections will last 9 to 20 months, and will fall between 10% and 30%.
Fair Warning: this just turned from being an ‘investors’ market to a ‘traders’
market – virtually overnight.

-This week Retail
sales reports missed their estimates, and Germany came out and cut its GDP
outlook for both 2014 and 2015.

-This week the
NFIB small business outlook missed their estimates and lowered forward guidance.

-The Ebola
outbreak could cause a crash in the economy, as virtually no one will travel or
even go into a mall where coughing and sneezing are prevalent.

-Finally, the dollar rally has had a significant consumer benefit.
Oil and gasoline prices are down, and
the rise in food prices has slowed. The
strong dollar is like giving someone a tax cut.
This will certainly help boost confidence among consumers heading into
the mid-term elections, and right now the Democrats need all the help they can
get.

So the real question is: Can
the market hold up and even rise, in the face of failing economic reports, and
no new QE? I say no. I think we
can see a range forming where we bounce and put in lower highs.We then fall a little more and bounce to a
lower high, and on and on. I see a stair step lower without some form of
renewed action from the Feds.Frankly I
don’t see an easy, safe, and smooth exit from our long-term zero interest rate
and accommodative policy.

The FED is very concerned
about the dollar rising and the impact it will have on GDP, corporate growth,
and earnings. The other interest rate issues
involve the massive amount of borrowers (not just the Federal government) that
will have difficulty paying higher interest rates.Higher U.S. interest rates could trickle over
to stall emerging markets and BRIC growth, as the U.S. has been a massive
lender to the booming emerging markets.

I think the FED will try
and talk us higher, and yet resist doing anything; therefore, expect a lot more
chop and slop over the next several weeks. I’m hearing with more and more
frequency that more FED money will solve all of our problems.For example, I’m hearing that “our schools
need MORE money.” I am not sure at what
point J.Q. Public realizes that MONEY is not the magic answer that solves ALL
problems, but rather just ‘papers over them’ until tomorrow.

Tips:

I think it
is pre-mature to think that the Fed is going to change course.I think we are experiencing a similar market
reaction to the ending of QE1 and QE2.The
FED may ride to the rescue in support of the mid-term elections; however, (due
to their lack of credibility) it will need to be under the guise of a national
disaster – such as Ebola.If that were
to be the case, then I would NOT fight the FED.This stock market still has enough faith in the Fed that more QE and
zero interest rates will keep this market moving higher a little longer –
before the REAL bubble bursts.

At this
point all of the indexes have broken through their 200-Day moving averages - which
is a big red flag. The Eurozone is continuing to weaken, but sentiment may
be changing soon as the ECB meets on NOV 6th. I expect
that some form of European QE will be discussed, and this should really help
firm up both European and U.S. markets.

I still
think that the only way to make money in this market is to put and call credit
spreads in order to collect premium.This coming week we have another 25% of the S&P companies reporting
earnings – including AAPL, LMT, and PII. I do not want to call the
bottom here as we will likely see more volatility, but I do want to start
looking for some bargains in the carnage.My current list of potential candidates is as follows: CME, CBOE, ICE, WYNN,
TEX, HOG, SLW, IYT, TRV, FDX, UTX.In
the energy sector I’m watching HERO, XLE, UPL and am watching PAA, KMI, EEP in
the MLP space. I still like the biotech sector as well with names such as
VRTX, AMGN, REGN, and IBB.

My
currentshort-term ‘Larger-Cap’ holds
are:

-KO (Beverage) – in @ $41.17 – (currently $42.68),

My short-tem
‘Small-Caps’ holds are:

-IG – in @ $7.27 – (currently $8.87),

To
follow me on Twitter and on StockTwits to get my daily thoughts and trades – my
handle is: taylorpamm.

Please
be safe out there!

Disclaimer:

Expressed
thoughts proffered within the BARRONS REPORT, a Private and free weekly
economic newsletter, are those of noted entrepreneur, professor and author,
R.F. Culbertson, contributing sources and those he interviews. You can learn more and get your free
subscription by visiting: <http://rfcfinancialnews.blogspot.com>
.

Please
write to Mr. Culbertson at: <rfc@culbertsons.com>
to inform him of any reproductions, including when and where copy will be
reproduced. You may use in complete form or, if quoting in brief, reference
<rfcfinancialnews.blogspot.com>.

If
you'd like to view RF's actual stock trades - and see more of his thoughts -
please feel free to sign up as a Twitter follower - "taylorpamm" is the handle.

If
you'd like to see RF in action - teaching people about investing - please feel
free to view the TED talk that he gave on Fearless Investing: http://www.youtube.com/watch?v=K2Z9I_6ciH0

To
unsubscribe please refer to the bottom of the email.

Views
expressed are provided for information purposes only and should not be
construed in any way as an offer, an endorsement, or inducement to invest and
is not in any way a testimony of, or associated with Mr. Culbertson's other
firms or associations. Mr.
Culbertson and related parties are not registered and licensed brokers. This message may contain information
that is confidential or privileged and is intended only for the individual or
entity named above and does not constitute an offer for or advice about any
alternative investment product. Such advice can only be made when accompanied
by a prospectus or similar offering document. Past performance is not indicative of
future performance. Please make sure to review important disclosures at the end
of each article.

Note:
Joining BARRONS REPORT is not an offering for any investment. It represents
only the opinions of RF Culbertson and Associates.

PAST
RESULTS ARE NOT INDICATIVE OF FUTURE RESULTS. THERE IS RISK OF LOSS AS WELL AS
THE OPPORTUNITY FOR GAIN WHEN INVESTING IN MANAGED FUNDS. WHEN CONSIDERING
ALTERNATIVE INVESTMENTS (INCLUDING HEDGE FUNDS) AN INVESTOR SHOULD CONSIDER
VARIOUS RISKS INCLUDING THE FACT THAT SOME PRODUCTS AND OTHER SPECULATIVE
INVESTMENT PRACTICES MAY INCREASE RISK OF INVESTMENT LOSS; MAY NOT BE SUBJECT
TO THE SAME REGULATORY REQUIREMENTS AS MUTUAL FUNDS, OFTEN CHARGE HIGH FEES,
AND IN MANY CASES THE UNDERLYING INVESTMENTS ARE NOT TRANSPARENT AND ARE KNOWN
ONLY TO THE INVESTMENT MANAGER.

Alternative
investment performance can be volatile. An investor could lose all or a
substantial amount of his or her investment. Often, alternative investment fund
and account managers have total trading authority over their funds or accounts;
the use of a single advisor applying generally similar trading programs could
mean lack of diversification and, consequently, higher risk. There is often no
secondary market for an investor's interest in alternative investments, and
none is expected to develop.

All
material presented herein is believed to be reliable but we cannot attest to
its accuracy. Opinions expressed in these reports may change without prior
notice. Culbertson and/or the staff may or may not have investments in any
funds cited above.

Remember the Blog: <http://rfcfinancialnews.blogspot.com/>
Until next week – be safe.

GetAbby.com IVR Solutions

A TRIPLE is only a TRIPLE when you make it to 3rd BASE!

In today’s world, if you can’t achieve having ALL 3 - then you’re just hitting three singles – and NEVER putting everything together – and therefore NEVER putting yourself in ‘scoring’ position! And frankly, if you’re not going to ‘score’ - why be in the game? All 3 of these elements (web avatars, IVR solutions, mobile applications) NEED to work together, and combine in order to significantly reduce customer service costs, while dramatically enhancing the customer experience, and increasing your customer knowledge, retention and let’s not forget – increasing your bottom line.

First base is your speech application. Applications need to recognize voice commands, understand accents, languages, and colloquial enunciations, everyone sees the industry moving in this direction - from buying airline tickets to feeding your Xbox commands - virtually everything needs voice technology. Second base is web interactivity – the ability to ask a web avatar a question – in your own words – in your own language (very similar to speech). The extra element the web provides is instant connectivity to thousands of “friends” receiving and sending status updates - allowing your product to reach a wider audience, cheaper – better - faster.
Third base takes includes your mobile device. Apple has sold over 2 million ipads in 2 months – even though it’s only been released in 9 countries. 5 Billion iPhone apps have been downloaded. AT&T stopped taking orders for the iPhone 4G after being open for 27 HOURS. So if mobile devices are NOT be a part of your strategy, think again. And just do the math – a mobile device application can be written for tens of thousands – and circulated to millions of people – giving you a total cost of ownership in the ‘pennies’ - what other device offers that consistency - scalability – and cost?

Our job at GetAbby is to put you in position to score. We bring it all HOME. We take all three of these sigles, combine them, and allow you to bring it HOME in one application. GetABBY provides the technology that allows you to book airline tickets over the phone, and have the confirmation ticket sent straight to your mobile device, and confirm thru an avatar on the web – where the avatar will present you with more money saving ideas on additional places to stay. We’re there for you, ready to take you past third base – taking it home, however; is up too you to GetABBY.